Net Worth Calculator
Calculate your net worth by adding up everything you own and subtracting everything you owe. Your net worth is the single best snapshot of your overall financial health.
Total cash in checking accounts, savings accounts, money market accounts, and CDs.
Current value of stocks, bonds, mutual funds, ETFs, and other non-retirement investment accounts.
Total value of 401(k), IRA, Roth IRA, pension, and other retirement accounts.
Estimated current market value of your home and any other real estate you own.
Current resale value of your cars, trucks, motorcycles, or other vehicles.
Value of any other significant assets: business interests, collectibles, jewelry, cryptocurrency, etc.
Remaining balance on your mortgage or home loans.
Total remaining balance on all auto loans.
Total remaining balance on all student loans.
Total outstanding balances across all credit cards.
Any other debts: personal loans, medical debt, taxes owed, etc.
This net worth calculator helps you see your complete financial picture in one place. Enter your assets (cash, investments, retirement accounts, real estate, vehicles) and liabilities (mortgage, car loans, student loans, credit card debt) to calculate your total net worth and debt-to-asset ratio.
How It Works
Net Worth Formula
Net Worth = Total Assets - Total LiabilitiesNet worth equals the sum of all your assets minus the sum of all your debts.
Total Assets = Cash + Investments + Retirement Accounts + Real Estate + Vehicles + Other Assets
Total Liabilities = Mortgage + Car Loans + Student Loans + Credit Card Debt + Other Debts
Net Worth = Total Assets - Total Liabilities
Debt-to-Asset Ratio = (Total Liabilities / Total Assets) × 100
Important Notes:
- •Asset values should reflect current market value, not original purchase price.
- •Vehicle values depreciate — use current resale value from sources like Kelley Blue Book.
- •Real estate value should be a conservative estimate of what your property would sell for today.
- •Retirement account values are pre-tax for traditional accounts — your after-tax net worth may be lower.
Worked Example
A homeowner with $410,000 in assets and $288,000 in debts.
Inputs:
- cash Savings:15,000
- investments:25,000
- retirement Accounts:50,000
- real Estate Value:300,000
- vehicle Value:20,000
- other Assets:0
- mortgage Balance:250,000
- car Loans:15,000
- student Loans:20,000
- credit Card Debt:3,000
- other Debts:0
Result:
Total assets are $410,000 and total liabilities are $288,000, giving a net worth of $122,000. The debt-to-asset ratio is 70.2%, which is common for homeowners with a mortgage but indicates room for debt reduction.
Who Is This Calculator For?
- anyone tracking personal finances
- homeowners
- young professionals
- pre-retirees
- financial planners
Frequently Asked Questions
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